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PayMe India Credit Executive Interview Questions and Answers
PayMe India Credit Executive Interview Experiences
1 interview found
I applied via Referral and was interviewed before Oct 2020. There were 3 interview rounds.
Interview Questionnaire
2 Questions
- Q1. What do you know about fintech organization?
- Ans.
Fintech organizations are companies that use technology to provide financial services and products.
Fintech combines finance and technology to create innovative financial solutions.
Examples of fintech organizations include PayPal, Square, and Robinhood.
Fintech has disrupted traditional banking and financial services by offering faster, cheaper, and more convenient options.
Fintech has also enabled financial inclusion by ...
- Q2. Types of fintech organization?
- Ans.
Fintech organizations can be categorized into various types based on their services and business models.
Payment and remittance companies
Lending and financing platforms
Personal finance management tools
Investment and wealth management platforms
Blockchain and cryptocurrency companies
Insurance technology (Insurtech) companies
Regtech companies
Crowdfunding platforms
Interview Preparation Tips
Top trending discussions
Interview questions from similar companies
(2 Questions)
- Q1. What is meaning of CBIL
- Ans.
CBIL stands for Credit Bureau India Limited, which is a credit information company in India.
CBIL is a credit information company that collects and maintains credit information of individuals and businesses.
It provides credit reports and scores to lenders to help them make informed lending decisions.
CBIL helps in reducing the risk of default by providing accurate credit information.
It plays a crucial role in the credit ...
- Q2. What are the metrics used to evaluate risk
- Ans.
Metrics used to evaluate risk include credit score, debt-to-income ratio, payment history, and credit utilization.
Credit score: A numerical representation of a borrower's creditworthiness based on their credit history.
Debt-to-income ratio: The percentage of a borrower's monthly income that goes towards paying debts.
Payment history: A record of a borrower's past payments on credit accounts.
Credit utilization: The amount
(2 Questions)
- Q1. Why your leaving privious company
- Ans.
Seeking new challenges and growth opportunities in a different work environment.
Desire for career advancement
Looking for new challenges
Seeking better work-life balance
Company restructuring or downsizing
Relocation to a different city
- Q2. What was salary expectation
- Ans.
My salary expectation is in line with industry standards and based on my experience and qualifications.
Research industry standards for Credit Manager salaries
Consider my experience and qualifications when determining salary expectation
Be open to negotiation based on the overall compensation package offered
Branch Credit Manager Interview Questions & Answers
HDB Financial Services
Anonymous
posted on 19 Aug 2024
Selected
I applied via Naukri.com and was interviewed in Feb 2024. There was 1 interview round.
(5 Questions)
- Q1. Previous work details
- Q2. Why want to change
- Ans.
Seeking new challenges and growth opportunities in a larger organization.
Desire for career advancement
Interest in taking on more responsibilities
Looking for a change in work environment
Seeking better compensation or benefits
Wanting to work for a more reputable company
- Q3. How to evaluate a customer for credit worthiness
- Ans.
Evaluate customer credit worthiness by analyzing financial history, credit score, income, and payment behavior.
Check credit score and credit history
Analyze income and employment stability
Review payment behavior on previous debts
Consider debt-to-income ratio
Look for any outstanding loans or bankruptcies
Evaluate the length of credit history
- Q4. Situation based question
- Q5. Why want to join hdb
- Ans.
I want to join HDB because of its strong reputation in the industry and the opportunities for growth and development.
HDB has a strong reputation in the industry for providing excellent financial services
I am impressed by HDB's commitment to employee growth and development
I believe that my skills and experience align well with the values and goals of HDB
Interview Preparation Tips
Selected
I applied via Referral and was interviewed in Apr 2024. There was 1 interview round.
(1 Question)
- Q1. How can do the work with you channel
Branch Credit Manager Interview Questions & Answers
Muthoot Housing Finance Company
Anonymous
posted on 20 Jun 2024
(1 Question)
- Q1. Tell me about your experience
Credit Manager Interview Questions & Answers
Altum Credo Home Finance
Anonymous
posted on 4 Apr 2024
Selected
I applied via Campus Placement and was interviewed in Mar 2024. There was 1 interview round.
Giving loans after doing complete case study, income analysis and finding income deviation after looking at business income and if I am in sales then I know the complete study
Interview Preparation Tips
Credit Manager Interview Questions & Answers
Anand Rathi Global Finance
Upasana Mathur
posted on 12 Jul 2024
Selected
I applied via campus placement at Institute of Chartered Accountant of India (ICAI) and was interviewed before Jul 2023. There was 1 interview round.
(2 Questions)
- Q1. Different types of ratio such as sales turnover ratio, asset turnover ratio, etc
- Ans.
Different types of ratios like sales turnover ratio, asset turnover ratio, etc are used to analyze a company's financial performance.
Ratios help in evaluating the efficiency and profitability of a company.
Sales turnover ratio measures how efficiently a company is using its assets to generate sales.
Asset turnover ratio indicates how well a company is utilizing its assets to generate revenue.
Other important ratios includ...
- Q2. Risks to be recognized as a credit underwriter?
- Ans.
Some risks include inaccurate credit assessments, failure to identify red flags, and lack of understanding of industry trends.
Inaccurate credit assessments can lead to approving high-risk clients who may default on payments.
Failure to identify red flags such as inconsistent financial information or past delinquencies can result in losses for the company.
Lack of understanding of industry trends may lead to granting cred...
Vijay Sharma
Selected
I applied via LinkedIn and was interviewed in Dec 2022. There was 1 interview round.
(2 Questions)
- Q1. Tell me about credit underwriting
- Ans.
Credit underwriting involves assessing the creditworthiness of borrowers to determine their ability to repay loans.
Credit underwriting is the process of evaluating the financial information of borrowers to determine their creditworthiness.
It involves analyzing factors such as income, credit history, debt-to-income ratio, and collateral.
The goal of credit underwriting is to assess the risk associated with lending money ...
- Q2. What is Mortgage or unsecured loan
- Ans.
A mortgage is a loan secured by real estate property, while an unsecured loan is not backed by collateral.
Mortgage: A loan where the borrower uses their property as collateral.
Unsecured loan: A loan that is not backed by collateral.
Mortgages typically have lower interest rates compared to unsecured loans.
Examples of unsecured loans include personal loans and credit card debt.
If a borrower defaults on a mortgage, the le...
Interview Preparation Tips
Attitude
How to explore ourselves
Mortgage/unsecured loan
Area Credit Manager Interview Questions & Answers
NeoGrowth Credit
Syam Kishore Gantyada
posted on 5 Sep 2024
Selected
I applied via Naukri.com and was interviewed before Sep 2023. There was 1 interview round.
(2 Questions)
- Q1. Not interested to explain
- Q2. Not interested to explain now
Interview Preparation Tips
Interview Questionnaire
1 Question
- Q1. Asked regarding credit knowledge
Interview Preparation Tips
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Interview Questions for Popular Designations
- Credit Manager Interview Questions
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